RE: Escambia/Pensacola, LHAP2013FINAL

Transcription

1 RE: Escambia/Pensacola, LHAP2013FINAL Page 1 of 1 4/23/2013 RE: Escambia/Pensacola, LHAP2013FINAL Robert Dearduff [Robert.Dearduff@floridahousing.org] Sent: Tuesday, April 23, :34 PM To: Cc: Randy Wilkerson Denise@nefi.gccoxmail.com; KEITH T. WILKINS; Marcie Whitaker [mwhitaker@ci.pensacola.fl.us] ; emills@ci.pensacola.fl.us; jmcfall@cityofpensacola.com; Harold Coats Thanks. The LHAP for is approved. The plan will be posted on the FHFC website for public viewing. Please retain this as evidence of approval of the LHAP. From: Randy Wilkerson [mailto:wrwilker@co.escambia.fl.us] Sent: Tuesday, April 23, :50 PM To: Robert Dearduff Cc: Denise@nefi.gccoxmail.com; KEITH T. WILKINS; Marcie Whitaker; emills@ci.pensacola.fl.us; jmcfall@cityofpensacola.com; Harold Coats Subject: Escambia/Pensacola, LHAP2013FINAL Importance: High Please find attached the revised approved FINAL LHAP for Escambia/Pensacola incorporating comments provided through the FHFC Courtesy Review. The final pdf includes all documents with required signatures affixed. No further documents will be submitted. Should there be questions or need for further detail, please do not hesitate to contact me. Randy Wilkerson Escambia/Pensacola SHIP Program Florida has a very broad public records law. Under Florida law, both the content of s and addresses are public records. If you do not want the content of your or your address released in response to a public records request, do not send electronic mail to this entity. Instead, contact this office by phone or in person.

2 SHIP LHAP Template 2013 NAME OF LOCAL GOVERNMENT ESCAMBIA/PENSACOLA SHIP LOCAL HOUSING ASSISTANCE PLAN (LHAP) FISCAL YEARS COVERED 2013/2014, 2014/2015 AND 2015/

3 SHIP LHAP Template 2013 Table of Contents Title Page #: Section I. Program Description: 3 Section II. Strategies: 6 Section III. LHAP Incentive Strategies: 17 Section IV. Exhibits:

4 SHIP LHAP Template 2013 I. PROGRAM DESCRIPTION: A. Name of the participating local government and Interlocal if Applicable: Escambia County and City of Pensacola Interlocal : Yes XXX No Name of participating local government(s) in the Interlocal Agreement; Escambia County and City of Pensacola A copy of the Interlocal Agreement is attached as Exhibit H. B. Purpose of the program: Creation of the Plan is for the purpose of meeting the housing needs of the very low, low and moderate income households, to expand production of and preserve affordable housing, to further the housing element of the local government comprehensive plan specific to affordable housing. C. Fiscal years covered by the Plan: 2013/ / /2016 D. Governance: The SHIP Program is established in accordance with Section , Florida Statutes and Chapter Florida Administrative Code. The SHIP Program does further the housing element of the local government Comprehensive Plan. Cities and Counties must be in compliance with these applicable statutes and rules. E. Local Housing Partnership SHIP Program encourages building active partnerships between government, lenders, builders and developers, real estate professionals, advocates for lowincome persons and community groups. F. Leveraging: The Plans are intended to increase the availability of affordable residential units by combining local resources and cost saving measures into a local housing partnership and using public and private funds to reduce the cost of housing. SHIP funds may be leveraged with or used to supplement other Florida Housing Finance Corporation programs and to provide local match to obtain federal housing grants or programs. G. Public Input: Public input was solicited through face to face meetings with housing providers, social service providers and local lenders and neighborhood associations. Public input was solicited through the local newspaper in the advertising of the Local Housing Assistance Plan and the Notice of Funding Availability

5 SHIP LHAP Template 2013 H. Advertising and Outreach The county or eligible municipality or its administrative representative shall advertise the notice of funding availability in a newspaper of general circulation and periodicals serving ethnic and diverse neighborhoods, at least 30 days before the beginning of the application period. If no funding is available due to a waiting list, no notice of funding availability is required. I. Discrimination: In accordance with the provisions of ss , it is unlawful to discriminate on the basis of race, creed, religion, color, age, sex, marital status, familial status, national origin, or handicap in the award application process for eligible housing. J. Support Services and Counseling: Support services are available from various sources. Available support services may include but are not limited to: Homeownership Counseling (Pre and Post), Credit Counseling, Tenant Counseling (as applicable) K. Purchase Price Limits: The sales price or value of new or existing eligible housing may not exceed 90% of the average area purchase price in the statistical area in which the eligible housing is located. Such average area purchase price may be that calculated for any 12-month period beginning not earlier than the fourth calendar year prior to the year in which the award occurs. The sales price of new and existing units, which can be lower but may not exceed 90% of the median area purchase price established by the U.S. Treasury Department or as described above. The methodology used is: Independent Study (copy attached) _XX_ U.S. Treasury Department Local HFA Numbers The purchase price limit for new and existing homes is shown on the Housing Delivery Goals Charts L. Income Limits, Rent Limits and Affordability: The Income and Rent Limits used in the SHIP Program are updated annually from the Department of Housing and Urban Development and distributed by Florida Housing Finance Corporation. Affordable means that monthly rents or mortgage payments including taxes and insurance do not exceed 30 percent of that amount which represents the percentage of the median annual gross income for the households as indicated in Sections F.S. However it is not the intent to limit an individual household s ability to devote more than 30% of its income for housing, and housing for which a household devotes more than 30% of its income shall be deemed Affordable if the first institutional mortgage lender is satisfied that the household can afford mortgage payments in excess of the 30% benchmark and in the case of rental housing does not exceed those rental limits adjusted for bedroom size. M. Welfare Transition Program: Should an eligible sponsor be used, the city/county has developed a qualification system and selection criteria for Awards to eligible sponsors, which includes a description that - 4 -

6 SHIP LHAP Template 2013 demonstrates how eligible sponsors that employ personnel from the Welfare Transition Program will be given preference in the selection process. N. Monitoring and First Right of Refusal: In the case of rental housing, the staff or entity that has administrative authority for implementing the local housing assistance plan assisting rental developments shall annually monitor and determine tenant eligibility or, to the extent another governmental entity provides the same monitoring and determination, a municipality, county or local housing financing authority may rely on such monitoring and determination of tenant eligibility. However, any loan or grant in the original amount of $3,000 or less shall not be subject to these annual monitoring and determination of tenant eligibility requirements. Tenant eligibility will be monitored at least annually for 15 years or the term of assistance which ever is longer unless as specified above. Eligible sponsors that offer rental housing for sale before 15 years or that have remaining mortgages funded under this program must give a first right of refusal to eligible nonprofit organizations for purchase at the current market value for continued occupancy by eligible persons. O. Administrative Budget: A detailed listing including line-item budget of proposed Administrative Expenditures is attached as Exhibit A. These are presented on an annual basis for each State fiscal year submitted. Escambia County and the City of Pensacola find that the moneys deposited in the local housing assistance trust fund shall be used to administer and implement the local housing assistance plan. Section Florida Statute and Chapter 67-37, Florida Administrative Code, states: A county or an eligible municipality may not exceed the 5 percent limitation on administrative costs, unless its governing body finds, by resolution, that 5 percent of the local housing distribution plus 5 percent of program income is insufficient to adequately pay the necessary costs of administering the local housing assistance plan. Section Florida Statute and Chapter 67-37, Florida Administrative Code, further states: The cost of administering the program may not exceed 10 percent of the local housing distribution plus 5% of program income deposited into the trust fund, except that small counties, as defined in s (17), and eligible municipalities receiving a local housing distribution of up to $350,000 may use up to 10 percent of program income for administrative costs. The applicable local jurisdiction has adopted the above findings in the attached resolution, Exhibit E. P. PROGRAM ADMINISTRATION: Administration of the local housing assistance plan is the responsibility of Escambia County and the City of Pensacola. Should a third party entity or consultant contract for all or part of the administrative or other functions of the program, provide in detail the duties, qualification and selection criteria

7 SHIP LHAP Template 2013 Q. Essential Service Personnel: Counties and eligible municipalities are required to include a definition of Essential Services Personnel as noted in Rule Chapter (8) F.A.C., Chapter (10), F.A.C. and Section (3), F.S. Implementation of the SHIP Local Housing Assistance Plan is anticipated to impact essential service personnel as defined in the governing regulations. For purposes of this Plan, Escambia County and the City of Pensacola have determined that essential service personnel shall include persons in need of affordable housing who meet all of the following requirements: (1) are permanently employed by a company or organization located within Escambia County, the City of Pensacola or the Town of Century, all lying within Escambia County, Florida; in one of the following categories: Local or State Law Enforcement, Fire, Rescue, and Emergency Services, Public Safety and Emergency Management Teachers, Educators, and School District personnel in the public, private and university systems Health Care Professionals and support personnel Tourism Industry professionals and employees Judicial/Court System management and support personnel Service Industry personnel (including child care, hospitality, and food service) (2) have maximum annual income at or below 120% of the Pensacola MSA median income as defined in the SHIP Rule R. Section (3)(d), F.S.: Requires counties and eligible municipalities to describe initiatives in their local housing assistance plans that encourage or require innovative design, green building principles, storm resistant construction or other elements that reduce long term costs relating to maintenance, utilities or insurance. Provide a brief description as required: Brief Description: The County and City shall, through implementation of the various SHIP housing strategies, encourage and support green, storm resistant, and low maintenance construction, including energy efficient features that are economically sound with respect to the goals and beneficiaries of each strategy

8 Section II. LHAP HOUSING STRATEGIES: SHIP LHAP Template 2013 A. STRATEGY 1. Purchase Assistance a. Summary of the Strategy: Brief Description: SHIP funds will be made available to support down payment and closing costs for the purchase of an existing or newly constructed affordable housing unit on a one-time basis to income eligible homebuyers including very low, low and moderate income families. Assistance shall be tailored to the individual affordability and financing needs of the participating homebuyer to enable the purchase of an existing or newly constructed home which does not exceed the maximum total cost as identified below. Permanent first mortgage financing (exceeding the SHIP Purchase Assistance) will be provided through financial institutions, the single family bond program and/or private developers/contractors without local guarantee, thereby leveraging a significant volume of private sector financing. However, this strategy is primarily focused upon assisting families with incomes below 80% of area median income. b. Fiscal Years Covered: 2013/2014, 2014/2015, 2015/2016 c. Income Categories to be served: No families shall be assisted with incomes exceeding 120% of median income. d. Maximum award: The maximum award level for this strategy is stipulated in the HDGC. e. Terms, Recapture and Default: Deferred Payment Loan (DPL) at 0% interest secured by mortgage and note. The term is currently set at five (5) years and the loan is forgiven in annual increments over the term of the mortgage assuming compliance with all requirements. The sale, rental, refinancing or transfer of ownership during the mortgage term shall be a default whereupon the SHIP investment shall be repaid (repayment in full required for defaults within one year of purchase, and repayment of the undepreciated portion is required for default after the initial year). f. Recipient Selection Criteria: Assistance provided on a first qualified /first served basis following annual advertisement of the availability of SHIP resources. g. Sponsor Selection Criteria: Not applicable to this strategy. h. Additional Information: NONE - 7 -

9 - 8 - SHIP LHAP Template 2013 B. STRATEGY 2. Replacement Housing (Substantial Rehabilitation/ Reconstruction) a. Summary of the Strategy: Brief Description: The City of Pensacola and Escambia County formed a local Consortium for purposes of receiving Federal, State, and/or other funds that support the local mission of enhancing housing affordability. Such resources often require a cash match or local leverage to receive the funds. Examples of such programs include, but are not limited to: HOME, Florida Housing Finance Corporation (FHFC) Programs, U. S. Department of Housing and Urban Development (HUD), Rural Development/USDA, Federal Home Loan Bank, and other Federal, State and local affordable housing initiatives. The local cash matching is unavailable except through the resources provided by the SHIP Program. These very limited funds will be committed at the time of award of the various non-ship funding allocations to the County or City. The local cash leveraging and matching requirements are estimated for each Program Year in the HDGC, however, funds expended for leveraging or matching will ultimately reflect the actual amount required to effectively participate in the various programs and initiatives. b. Fiscal Years Covered: 2013/2014, 2014/2015, 2015/2016 c. Income Categories to be served: All homes assisted through this activity must be occupied by Low and Very Low Income families (i.e., with incomes below 80% of the median income). d. Maximum award: The maximum award levels for this strategy are stipulated in the HDGC. e. Terms, Recapture and Default: Substantial Rehabilitation/Reconstruction: Deferred Payment Grant (forgivable after five years); Deferred Payment Loan at 0% interest due and payable upon sale, transfer or rental of the subject unit; or Low Interest Loan at 5% interest with a maximum 30 year repayment period, or a combination thereof based upon level of family income (maximum household income cannot exceed 80% of median). A written description of the current CDBG and HOME Program sliding scale that is utilized by Neighborhood Enterprise Foundation, Inc. (NEFI)/Escambia County and Pensacola Housing to determine the level and type of assistance to be provided to eligible clients is by contacting Escambia County via wrwilker@myescambia.com or the City of Pensacola via MWhitaker@cityofpensacola.com Loans secured by mortgage and note. The sale, rental, refinancing or transfer of ownership during the mortgage term shall be a default whereupon the SHIP investment shall be repaid. Full repayment is required if the default occurs within one year of purchase.

10 SHIP LHAP Template 2013 f. Recipient Selection Criteria: Assistance provided on a first qualified/first served basis following advertisement of the availability of SHIP resources. When an extensive waiting list exists for the strategy, applicants are added to the list in first come/first served order. g. Sponsor Selection Criteria: This strategy will be implemented directly by Escambia County and City of Pensacola Housing staff and/or committed directly to eligible homeowners participating in this or similar programs. h. Additional Information: Green, storm resistant, and low maintenance construction, including energy efficient features will be included in the design of these homes and may include the following: high density insulation, exterior thermal barriers; windows that exceed Energy Star requirements; water conserving toilets and faucets and Energy Star appliances. C. STRATEGY 3. Housing Repair a. Summary of the Strategy: Brief Description: SHIP funds will be used to provide moderate rehabilitation or emergency repair assistance grants for very low and low income owner occupied homes to address roofing, electrical, plumbing, sanitary disposal, life/safety conditions, structural code deficiencies, code citations, energy efficiency and other related repairs. b. Fiscal Years Covered: 2013/2014, 2014/2015, 2015/2016 c. Income Categories to be served: All of the homes repaired through this activity will be owned by families with incomes below 80% of the median income. Priority may be given to families with incomes below 50% of the median income and/or cases which involve local government code enforcement citations. d. Maximum award: The maximum award level for this strategy is stipulated in the HDGC. e. Terms, Recapture and Default: Deferred Payment Loan at 0% Homeowner. Secured by officially recorded lien that is fully forgivable at the end of 5 years. In the event of default, the loan is forgivable at the rate of 20% per year over the 5 year lien period, with the unforgiven balance to be repaid by the homeowner upon default. Default is defined as the sale, rental or transfer of ownership of the property during the five year period

11 SHIP LHAP Template 2013 f. Recipient Selection Criteria: Assistance provided on a first qualified/first served basis following annual advertisement of the availability of SHIP resources. g. Sponsor Selection Criteria: Unless implemented directly by City or County/NEFI staff, selection will be based upon responses to an advertised request for proposal. Selection criteria will include: a) past experience of agency in managing emergency or moderate housing repair assistance activities; b) projected SHIP cost per housing unit; c) commitment of non-ship funds as leverage for SHIP dollars d) unit production goals for housing repair in relation to SHIP funds requested e) commitment to use green building technologies, energy efficiency measures, and/or use of recycled building materials or components in the repair or preservation of housing units; f) commitment to limit assistance to very low income families; and g) documentation of the agency's employment or planned employment of personnel from the Welfare Transition Program shall result in a priority for award of SHIP funds assuming the agency demonstrates capacity to implement the subject activity. Proposals meeting the RFP requirements will be evaluated by the County and City Housing staff, or a committee comprised of County and City representatives, to determine the agency or organization that will implement the strategy. Final selection and contract approval will be provided by the County Commission and City Council. The RFP may solicit participation for the full three year HAP period. h. Additional Information: Depending on the type and extent of repair, the City and County will encourage the use of green, storm resistant, and low maintenance construction, including energy efficient features in the completion of repairs to homes assisted through this strategy. D. STRATEGY 4. New Construction a. Summary of the Strategy: Brief Description: SHIP funds will be made available to area non-profit housing agencies, non-profit housing developers and/or for-profit developers to partially underwrite the costs of constructing affordable homes for families that cannot otherwise qualify for a mortgage through normal lending channels. These

12 SHIP LHAP Template 2013 funds will enhance affordability and enable the non-profit housing sector to increase the number of affordable housing units produced for SHIP eligible homebuyers within the local area. The focus of this strategy is upon unit production primarily targeting very low income families. All or a portion of the SHIP funds invested into the unit will be converted to principal mortgage reduction assistance upon sale of the home to a SHIP eligible buyer (amount based on individual buyer financing needs). b. Fiscal Years Covered: 2013/2014, 2014/2015, 2015/2016 c. Income Categories to be served: A minimum of 50% of the families purchasing homes through this activity must have incomes below 50% of the median income. All remaining families must have incomes that do not exceed 80% of median income. d. Maximum award: The maximum award level for this strategy is stipulated in the HDGC. e. Terms, Recapture and Default: Deferred Payment Loan at 0% interest secured by mortgage and note due and payable upon default. Typical SHIP mortgage term is 5 years. For non-profit sponsored housing programs assisted through this Strategy that require sweat equity or other demonstrated commitment by the homebuyer prior to receiving ownership, it is allowable for the buyer to enter a short-term lease-purchase option upon initial occupancy of the SHIP assisted housing unit, however, in all instances, the conversion to permanent homeownership status shall occur within the applicable SHIP expenditure deadlines. The lease-purchase agreement shall stipulate compliance requirements of the prospective homebuyer during the maximum two year lease period. Compliance shall be monitored by the recipient agency an/or the County/NEFI. Upon successful completion of the lease period, the homebuyer shall receive title to the property upon recording of a first (primary lender) mortgage and soft second (SHIP) mortgage. Repayment shall be required upon sale, transfer or rental of the housing unit, however, due to the fact that this activity targets very low income families, a provision is included which gives the homeowner the option to release the unit back to the Sponsor agency so that it can be subsequently resold to another SHIP eligible family (documented) in lieu of repayment (whereupon the mortgage is reassigned). f. Recipient Selection Criteria: Assistance provided on a first qualified/first served basis following annual advertisement of the availability of SHIP resources. A waiting list exists for this strategy from prior year activities, and new applicants will be added to the existing list

13 SHIP LHAP Template 2013 g. Sponsor Selection Criteria: Selection will be based upon responses to an advertised request for proposal. Selection criteria will include: a) non-profit agency's locally based expertise in affordable single family housing construction and marketing; b) amount of non-ship funds or value of in-kind services committed as SHIP leverage; c) unit production goals in relation to SHIP funding request; d) documented use of green building technologies, energy efficiency measures, and/or use of recycles building materials or components in the production or preservation of housing units; e) SHIP repayment terms requested (i.e., loan guarantee, deferred loan, or grant); f) percentage of units targeted to very low income families; and g) documentation of the agency's employment or planned employment of personnel from the Welfare Transition Program shall result in a priority for award of SHIP funds assuming the agency demonstrates capacity to implement the subject SHIP activity. Proposals meeting the RFP requirements will be evaluated by the County and City Housing staff, or a committee comprised of County and City representatives, to determine the agency or organization that will implement the strategy. Final selection and contract approval will be provided by the County Commission and City Council. The RFP may solicit participation for the full three year HAP period. h. Additional Information: This strategy shall encourage green, storm resistant, and low maintenance construction, including energy efficient features. E. STRATEGY 5. Rental Preservation/Development a. Summary of the Strategy: Brief Description: SHIP funds expended through this strategy will be primarily expended to support the preservation or development of affordable workforce rental housing or special needs housing (as defined in FAC (21)). for eligible persons through new construction, acquisition of property or existing rental units, and/or rehabilitation/redevelopment of existing substandard rental units. Special needs groups shall generally include, but not be solely limited to: homeless persons, mentally or physically disabled persons, veterans, children aging out of foster care, the elderly, or victims of domestic violence. These rental development project(s) will be undertaken with a local Community Housing Development Organization (CHDO) or a 501(c)(3) non-profit

14 SHIP LHAP Template 2013 affordable housing sponsor selected through an open proposal submission process; OR with a non-profit or private for profit developer in conjunction with the annual FHFC Universal Cycles, annual HUD Section 202/Section 811 cycles, Rural Development/ USDA (RD) rental development cycles, or other publicly announced funding cycles as offered by FHFC, HUD, RD or other Federal/State agencies for the preservation or development of rental housing. b. Fiscal Years Covered: 2013/2014, 2014/2015, 2015/2016 c. Income Categories to be served: At least 80% of the rental units preserved or developed through this strategy must be occupied by Low income families (below 80% of median income) and at least 10% of the families must be Very Low income (below 50% of median income). Not more than 20% of the aggregate units preserved or produced may be occupied by families with incomes between 80% and 120% of median income. d. Maximum award: The maximum award levels for this strategy are stipulated in the HDGC. e. Terms, Recapture and Default: Rental Preservation and/or Development: A Deferred Payment Loan at 0% with a 20 year term, forgivable in annual increments over the full term of the mortgage assuming compliance with all SHIP and HOME or other requirements (as applicable) by the Sponsor Agency, will be the typical form of assistance. On a case-by-case basis, if underwriting confirms that the Sponsor has adequate repayment capacity, the County and City reserve the option of providing a below market interest rate loan to the Sponsor. The loan shall be secured by mortgage and note. Maximum term is 25 years, unless a longer term is specifically required by HUD, FHFC, RD or other primary lender as a condition for project financing. As defined in the applicable mortgage and note, full recapture of SHIP funds invested is required upon default, unless a forgiveness provision (depreciating balance) is incorporated into the mortgage and note in which case the undepreciated portion shall be due and payable upon default. Special Needs Housing: Direct Grant to provider agency to provide special needs housing. Mortgage term is not applicable to this Strategy. Units will be Deed Restricted for a defined affordability term of not less than fifteen (15) years. Compliance monitoring shall be performed annually by NEFI, as agent for Escambia County, and/or Pensacola Housing for a minimum of 15 years through monitoring Section 8 rental/lease documents or by direct review of Sponsor agency documentation to establish compliance with Program affordability requirements with respect to tenant occupancy, income levels,

15 SHIP LHAP Template 2013 and rent rates. For FHFC financed projects that also receive SHIP local support, occupancy, rent and housing quality compliance documentation secured by FHFC or its contract monitor shall be deemed acceptable in meeting this requirement. The sale of properties assisted with SHIP/HOME funds shall require approval of the Board of County Commissioners and/or Pensacola City Council, and shall be acceptable (without repayment) only if the subsequent owner(s) agree to meet any remaining rental, occupancy and affordability obligations established in the development agreement, mortgage and note. f. Recipient Selection Criteria: Assistance provided on a first qualified/first served basis following advertisement of the availability of SHIP resources. When an extensive waiting list exists for the strategy, applicants are added to the list in first come/first served order. g. Sponsor Selection Criteria: CHDO sponsored set-aside rental project(s) will be undertaken in partnership with an eligible, locally designated CHDO. Selection will be based upon response(s) to a request for proposal issued to all eligible CHDO's (for HOME CHDO set-aside activities). CHDO project selection criteria shall include the following, as applicable: a) agency must be a locally designated CHDO (HOME set-aside funds) and a 501(c)(3) non-profit; b) agency's previous rental development experience (agency staff); c) conformity with Escambia Consortium Consolidated Plan goal(s) for mixed income rental housing; d) total (aggregate) cost per unit-all funding sources; e) subsidy level per unit and SHIP cost per unit; f) ratio of private funds to public funds; g) ratio of other funds to SHIP funds; h) compliance with preservation or new construction preference; i) rental development bedroom size mix (3 bedrooms preferred); j) percentage of units targeted to families below 30% of median; k) commitment to use green building technologies, energy efficiency measures, and/or use of recycled building materials or components in the construction, repair or preservation of housing units l) proposed development site located in a designated Community Redevelopment Area (CRA) or Enterprise Zone (EZ); m) target date for Project commitment and completion; n) form of assistance requested (i.e., loan vs. grant); o) documentation of the agency's employment or planned employment of individuals through the Welfare Transition Program shall result in a priority for award of SHIP funds assuming the agency demonstrates capacity to implement the subject SHIP activity.

16 SHIP LHAP Template 2013 Non-CHDO set-aside (non-profit and/or for profit) projects will be accepted continually, and will be evaluated at the time of submission to maximize the potential for integration of resources (FHFC, HUD, RD, etc.). As applicable, proposals from CHDO's, non-profit sponsors or for-profit sponsors will be evaluated by the County and City Housing staff, or a committee comprised of County and City representatives, to determine the agency or organization that will implement the strategy. Final selection and contract approval will be provided by the County Commission and City Council. h. Additional Information: This strategy shall encourage green, storm resistant, and low maintenance construction, including energy efficient features F. STRATEGY 6. Disaster/Mitigation Assistance a. Summary of the Strategy: Brief Description: SHIP funds may be used in all areas of Escambia County and the City of Pensacola to provide emergency repairs to homes owned by SHIP very low, low and moderate income families in the aftermath of a "natural disaster as declared by presidential or state issued Executive Order(s)" to address emergency housing repair needs. Generally, such needs shall include, such items as: purchase of emergency supplies for eligible homeowners to weatherproof damaged homes; interim repairs to avoid further damage to the homes of eligible families; tree and debris removal required to make individual housing units inhabitable by the eligible family; and post-disaster assistance with non-insured repairs to homes owned by very low income families. This optional strategy will be implemented only in the event Executive Order(s) are issued confirming that a "presidentially or state declared natural disaster" has directly impacted the Escambia County area. b. Fiscal Years Covered: 2013/2014, 2014/2015, 2015/2016 c. Income Categories to be served: All of the homes repaired through this activity will be owned by families with incomes below 120% of the median income. d. Maximum award: The maximum award level for this strategy is stipulated in the HDGC. e. Terms, Recapture and Default: Direct Grant to Homeowner. Mortgage term is not applicable to this Strategy

17 SHIP LHAP Template 2013 f. Recipient Selection Criteria: Assistance provided on a first qualified/first served basis following the declaration of the natural disaster. The strategy will be advertised annually along with notice of all SHIP resources; however, the strategy will be implemented only in the event of a natural disaster. In the event the strategy is not implemented during a given SHIP Program Year, any funding reserved for the Strategy will be reallocated to one or more of the approved SHIP strategies by SHIP budget transfer notification to the Florida Housing Finance Corporation. g. Sponsor Selection Criteria: Not applicable to this strategy. h. Additional Information: NONE III. LHAP INCENTIVE STRATEGIES In addition to Strategy A and Strategy B, include all adopted incentives with the policies and procedures used daily for implementation as provided in Section , F.S.: A. Name of the Strategy: Expedited Permitting 1. Provide a description of the procedures used to implement this strategy: Escambia County: The County is continually reassessing the permitting function to improve permit processing efficiency and reduce the time required for issuing residential permits. This process incorporates specific actions that will enhance expedited processing for documented affordable housing developments/projects within the County. The Development Services Bureau will take actions necessary to expedite and/or avoid delay of affordable housing developments which incorporate financing via Federal, State or designated local affordable housing programs or initiatives. Such developments will be given review priority in accordance with provisions of the Housing Element of the Escambia County Comprehensive Plan. The current permitting review process for single family homes or duplexes in established/platted, properly zoned subdivisions shall be generally retained as this process provides a permit turnaround time of less than 4 days. Affordable housing permit applications will be given priority in the event the permit approval time should reach a level in excess of 7 days in the future. City of Pensacola: Expedited processing of permits includes development orders and development permits including building permits, zoning permits, subdivision approval, rezoning, certification, special exception or variance approvals. The City land use, building, and planning functions have been examined at the staff level to identify areas for improving the permitting procedures and process. The City's process is already centralized with an average process of three days for a building permit. The present system provides excellent expedited central "one-stop" process for affordable housing projects located within the City. The City will provide for priority processing of affordable housing permit applications in the event a backlog is experienced which increases the routine permit approval period to 7 days. Generally affordable housing development applications are processed first. B. Name of the Strategy: Ongoing Review Process 1. Provide a description of the procedures used to implement this strategy: Escambia County: The County Comprehensive Plan Housing Element stipulates the County's commitment to review all policies, rules, procedures, regulations, ordinances, and similar provisions to ensure that potential impacts upon housing affordability are identified prior to

18 SHIP LHAP Template 2013 adoption, and that the adopting entity is advised of the potential impacts upon housing affordability for consideration during the review and adoption process The Affordable Housing Impact Review Policy is officially approved by the County. Reviews are completed as required based upon ordinances and policies that are presented for consideration by the Board of County Commissioners. Such review and commentary are administratively handled through the Escambia County Community & Environment Department and the Development Services Bureau, which incorporates input as needed by local housing and community development professionals. City of Pensacola: The City of Pensacola has developed and adopted an Affordable Housing Impact Review Policy providing procedures for review of local policies, procedures, ordinances, regulations and plan provisions that significantly impact upon the cost of housing prior to their adoption. The Land Development Code will be reviewed and revised in a manner that will make affordable housing development more viable. These periodic reviews will examine eliminating excessive requirements that limit affordable housing development. Such review and commentary are administratively handled through the City's Planning Services and Office of Sustainability with input as needed by local housing and community development professionals. C. Adopted Incentive Strategies for Escambia County and City of Pensacola A complete copy of both Escambia County and the City of Pensacola s Affordable Housing Incentive Plans and updated to said Plan are on record with Florida Housing Finance Corporation. Copies of the Escambia and Pensacola plans and reports are available electronically upon request submitted to either: wrwilker@myescambia.com or mwhitaker@cityof pensacola,com IV. EXHIBITS: A. Administrative Budget for each fiscal year covered in the Plan. Exhibit A. B. Timeline for Encumbrance and Expenditure: Chapter , F.A.C. A separate timeline for each fiscal year covered in this plan is attached as Exhibit B. Program funds will be encumbered by June 30 one year following the end of the applicable state fiscal year. Program funds will be fully expended within 24 months of the end of the applicable State fiscal year. C. Housing Delivery Goals Chart (HDGC) For Each Fiscal Year Covered in the Plan: Completed HDGC for each fiscal year is attached as Exhibit C. D. Certification Page: Signed Certification is attached as Exhibit D. E. Adopting Resolution: Original signed, dated, witnessed or attested adopting resolution is attached as Exhibit E. F. Program Information Sheet: Completed program information sheet is attached as Exhibit F

19 G. Ordinance: If changed from the original ordinance, a copy is attached as Exhibit G. (Note: there were no changes to the existing ordinances) H. Interlocal Agreement: A copy of the Interlocal Agreement if applicable is attached as Exhibit H. SHIP LHAP Template

20 ADMINISTRATIVE BUDGET FOR EACH FISCAL YEAR LHAP 2013 Exhibit A Escambia/Pensacola Estimated Allocation for Calculating: $ 100, Fiscal Year: 2013/2014 Program Management: A. City of Pensacola (Staffing/Administration) $ 1, B. Escambia County/NEFI (Staffing/Administration) $ 2, The aggregate SHIP administrative cost shall not exceed (10%) of the total SHIP allocation, plus applicable program income. These costs are required to comply with the array of SHIP Program administrative, oversight, liaison/coordination, and monitoring requirements Exhibit A Fiscal Management: A. Escambia County Indirect Cost (Fiscal Management) $ Program Support costs: Property research/title work, recording and miscellaneous costs $ Total (2013/2014) $ 5, % Estimated Allocation for Calculating: $ 100, Fiscal Year: 2014/2015 Program Management: A. City of Pensacola (Staffing/Administration) $ 1, B. Escambia County/NEFI (Staffing/Administration) $ 2, The aggregate SHIP administrative cost shall not exceed (10%) of the total SHIP allocation, plus applicable program income. These costs are required to comply with the array of SHIP Program administrative, oversight, liaison/coordination, and monitoring requirements Fiscal Management: A. Escambia County Indirect Cost (Fiscal Management) $ Program Support costs: Property research/title work, recording and miscellaneous costs $ Total (2014/2015) $ 5, % Estimated Allocation for Calculating: $ 100, Fiscal Year: 2015/2016 Program Management: A. City of Pensacola (Staffing/Administration) $ 1, B. Escambia County/NEFI (Staffing/Administration) $ 2, The aggregate SHIP administrative cost shall not exceed (10%) of the total SHIP allocation, plus applicable program income. These costs are required to comply with the array of SHIP Program administrative, oversight, liaison/coordination, and monitoring requirements Fiscal Management: A. Escambia County Indirect Cost (Fiscal Management) $ Program Support costs: Property research/title work, recording and miscellaneous costs $ Total (2015/2016) $ 5, %

21 SHIP LHAP Template 2013 Exhibit B SHIP PROGRAM IMPLEMENTATION TIMELINES FOR 2013/14; 2014/15 AND 2015/16 (INSERTED ON THE FOLLOWING THREE PAGES)

22 Exhibit B TIMETABLE FOR STATE FISCAL YEAR Name of Local Government: Escambia/Pensacola Program Year Activities Month Advertise Availability of Funds x Application Period(On-Going) x x x x x x x x x x x x x x x x x X X X X X X Start Program Year x Annual Report x x x Mid-Year Review/Adjustments x End-Year Review/Adjustments x x x Encumbrance Deadline x Expenditure Deadline x Final Program Review x Directions: Type in the applicable years across the top line. List Program Activities down left hand side. Type in an "X" on applicable activity line under month and year the activity will be initiated or completed. At a minimum the following activities should be included: 1) Advertise availability of funds and application period 2) Encumbrance of funds (12 months following end of State Fiscal Year) 3) Expenditure of funds (24 months following end of State Fiscal Year). 4) Submit Annual Report to FHFC (September 15th)

23 TIMETABLE FOR STATE FISCAL YEAR Exhibit B Name of Local Government: Escambia/Pensacola Program Year Activities Month Advertise Availability of Funds x Application Period(On-Going) x x x x x x x x x x x x x x x x x X X X X X X Start Program Year x Annual Report x x x Mid-Year Review/Adjustments x End-Year Review/Adjustments x x x Encumbrance Deadline x Expenditure Deadline x Final Program Review x Directions: Type in the applicable years across the top line. List Program Activities down left hand side. Type in an "X" on applicable activity line under month and year the activity will be initiated or completed. At a minimum the following activities should be included: 1) Advertise availability of funds and application period 2) Encumbrance of funds (12 months following end of State Fiscal Year) 3) Expenditure of funds (24 months following end of State Fiscal Year). 4) Submit Annual Report to FHFC (September 15th) 3/98

24 TIMETABLE FOR STATE FISCAL YEAR Exhibit B Name of Local Government: Escambia/Pensacola Program Year Activities Month Advertise Availability of Funds x Application Period(On-Going) x x x x x x x x x x x x x x x x x X X X X X X Start Program Year x Annual Report x x x Mid-Year Review/Adjustments x End-Year Review/Adjustments x x x Encumbrance Deadline x Expenditure Deadline x Final Program Review x Directions: Type in the applicable years across the top line. List Program Activities down left hand side. Type in an "X" on applicable activity line under month and year the activity will be initiated or completed. At a minimum the following activities should be included: 1) Advertise availability of funds and application period 2) Encumbrance of funds (12 months following end of State Fiscal Year) 3) Expenditure of funds (24 months following end of State Fiscal Year). 4) Submit Annual Report to FHFC (September 15th) 3/98

25 SHIP LHAP Template 2013 Exhibit C HOUSING DELIVERY GOALS CHARTS FOR 2013/14; 2014/15 AND 2015/16 (INSERTED ON THE FOLLOWING THREE PAGES)

26 FLORIDA HOUSING FINANCE CORPORATION Please check applicable box HOUSING DELIVERY GOALS CHART New Plan: XX STRATEGIES FOR THE LOCAL HOUSING ASSISTANCE PLAN FOR STATE FISCAL YEAR: 2013/2014 Amendment: Fiscal Yr. Closeout: Escambia/Pensacola Name of Local Government: Estimated Funds: $100, A B C D E F Strategy # HOME OWNERSHIP VLI Max. SHIP LI Max. SHIP MI Max. SHIP New Construction Rehab/Repair Without Construction Total Total Total From Plan Text STRATEGIES (strategy title must be same as the title used in plan text. Units Award Units Award Units Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollars Percentage Units $ % 0 1 Purchase Assistance 0 $7,500 4 $7,500 4 $7,500 $7, $45, $7, $60, % 8 2 Replacement Housing 0 $15,000 0 $15,000 $ % 0 3 Housing Repair 5 $7,500 0 $7,500 $35, $35, % 5 4 New Construction 0 $20,000 0 $20,000 $ % 0 6 Disaster/Mitigation Assistance 0 $7,500 0 $7,500 $7,500 $ % 0 $ % 0 $ % 0 Subtotal 1 (Home Ownership) $7, $80, $7, $95, % 13 RENTAL VLI Max. SHIP LI Max. SHIP MI Max. SHIP New Construction Rehab/Repair Without Construction Total Total Total STRATEGIES Units Award Units Award Units Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollars Percentage Units $ % 0 5 Rental Preservation/Development 0 $80,000 0 $45,000 $ % 0 $ % 0 $ % 0 $ % 0 Subtotal 2 (Non-Home Ownership) $0.00 $0.00 $0.00 $ % 0 Administration Fees $5, % Admin. From Program Income 0.00% Home Ownership Counseling 0.00% GRAND TOTAL Add Subtotals 1 & 2, plus all Admin. & HO Counseling $7, $80, $7, $100, % 13 Percentage Construction/Rehab Calculate Constr./Rehab Percent. by adding Grand Total Columns A&B, then divide by Annual Allocation Amt. 88% Maximum Allowable Purchase Price: New Existing Allocation Breakdown Amount % Projected Program Income: $100, Max Amount Program Income For Admin: $5, Very-Low Income $35, % Projected Recaptured Funds: Low Income $30, % Distribution: Moderate Income $30, % Total Available Funds: $100, TOTAL $95, % 08-Mar-13

27 FLORIDA HOUSING FINANCE CORPORATION Please check applicable box HOUSING DELIVERY GOALS CHART New Plan: XX STRATEGIES FOR THE LOCAL HOUSING ASSISTANCE PLAN FOR STATE FISCAL YEAR: 2014/2015 Amendment: Fiscal Yr. Closeout: Escambia/Pensacola Name of Local Government: Estimated Funds: $100, A B C D E F Strategy # HOME OWNERSHIP VLI Max. SHIP LI Max. SHIP MI Max. SHIP New Construction Rehab/Repair Without Construction Total Total Total From Plan Text STRATEGIES (strategy title must be same as the title used in plan text. Units Award Units Award Units Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollars Percentage Units $ % 0 1 Purchase Assistance 0 $7,500 4 $7,500 4 $7,500 $7, $45, $7, $60, % 8 2 Replacement Housing 0 $15,000 0 $15,000 $ % 0 3 Housing Repair 5 $7,500 0 $7,500 $35, $35, % 5 4 New Construction 0 $20,000 0 $20,000 $ % 0 6 Disaster/Mitigation Assistance 0 $7,500 0 $7,500 $7,500 $ % 0 $ % 0 $ % 0 Subtotal 1 (Home Ownership) $7, $80, $7, $95, % 13 RENTAL VLI Max. SHIP LI Max. SHIP MI Max. SHIP New Construction Rehab/Repair Without Construction Total Total Total STRATEGIES Units Award Units Award Units Award SHIP Dollars SHIP Dollars SHIP Dollars SHIP Dollars Percentage Units $ % 0 5 Rental Preservation/Development 0 $80,000 0 $45,000 $ % 0 $ % 0 $ % 0 $ % 0 Subtotal 2 (Non-Home Ownership) $0.00 $0.00 $0.00 $ % 0 Administration Fees $5, % Admin. From Program Income 0.00% Home Ownership Counseling 0.00% GRAND TOTAL Add Subtotals 1 & 2, plus all Admin. & HO Counseling $7, $80, $7, $100, % 13 Percentage Construction/Rehab Calculate Constr./Rehab Percent. by adding Grand Total Columns A&B, then divide by Annual Allocation Amt. 88% Maximum Allowable Purchase Price: New Existing Allocation Breakdown Amount % Projected Program Income: $100, Max Amount Program Income For Admin: $5, Very-Low Income $35, % Projected Recaptured Funds: Low Income $30, % Distribution: Moderate Income $30, % Total Available Funds: $100, TOTAL $95, % 08-Mar-13